Clear Creek Retreat on Smith Lake

What to compare in Clear Creek Retreat

Custom-home requirements, paired parcels, association roads and current rental rules.

Your neighborhood questions, answered

Document summaries describe the sources reviewed. Confirm current amendments, fees and the rules for your exact lot.

The declaration copy is dated October 29, 2019 and bears Winston Deed Book 344, pages 533–539. It describes 18 lots on Map Book 3, page 270, paired interior parcels and specified grandfathered improvements.

Is there an HOA, and what does it cost?

Confirm current terms

Association membership and road/common-area maintenance are described. Current dues, special assessments and maintenance charges need association confirmation.

Clear Creek Retreat declaration · Deed Book 344, pp. 533 and 535 · PDF page 3

What neighborhood amenities are available?

Confirm current terms

Association roads and common areas are described. Current facilities and the offered lot’s access or use rights have not been established.

Clear Creek Retreat declaration · Deed Book 344, pp. 533 and 535 · PDF page 3

What size home can I build?

Document summary

The copy specifies a minimum of 1,200 square feet and custom-built homes. Confirm whether a documented grandfathered improvement affects the offered property.

Clear Creek Retreat declaration · Provision 3 · Deed Book 344, p. 536 · PDF page 4

What styles and plans need approval?

Document summary

The document requires compliance with its plan/improvement requirements and Board review; material and outbuilding conditions also apply.

Clear Creek Retreat declaration · Provisions 2–3 · Deed Book 344, p. 536 · PDF page 4

Are manufactured or mobile homes allowed?

Document summary

The declaration copy excludes manufactured homes, subject to individual review of the document’s specified grandfathered existing improvements.

Clear Creek Retreat declaration · Provision 3 · Deed Book 344, p. 536 · PDF page 4

Can I keep or stay in an RV or camper?

Document summary

Temporary recreational RV/camper use is conditional on self-contained or temporarily connected resources, no permanent hookups, setbacks and Board controls. The provision does not give a numeric stay limit.

Clear Creek Retreat declaration · Provision 14 · Deed Book 344, pp. 537–538 · PDF page 5

When must construction start?

Confirm current terms

No deadline to begin building after purchase is stated in the fully read supplied 2019 declaration. Obtain current amendments and the requirements for the offered parcel before planning the construction schedule.

Clear Creek Retreat declaration · Complete seven-page copy · Deed Book 344, pp. 533–539

When must construction finish?

Confirm current terms

No construction-completion period is stated in the fully read supplied 2019 declaration. Obtain current amendments and the requirements for the offered parcel before planning the construction schedule.

Clear Creek Retreat declaration · Complete seven-page copy · Deed Book 344, pp. 533–539

Can I rent through Airbnb or VRBO?

Confirm current terms

The fully read declaration authorizes the Board to set third-party rental rules, including time of use, occupancy, guest age, vehicles and noise. It supplies no numeric minimum stay or blanket Airbnb/VRBO approval. Obtain the Board's current rules and later amendments.

Clear Creek Retreat declaration · Provision 19 · Deed Book 344, p. 539 · PDF page 7

What other rules should I know?

Document summary

The copy pairs certain A interior parcels with corresponding waterfront parcels. Verify the deeded parcel combination and any grandfathered improvements before evaluating an individual offering.

Clear Creek Retreat declaration · Scope provisions · Deed Book 344, pp. 533–539

All seven supplied pages reviewed. Official recording date/instrument confirmation, exact paired-parcel coverage, amendments, current association charges and current rental rules remain unresolved. Research checked 2026-10-31.

Neighborhood features

• The declaration describes association-maintained roads and common areas and requires association membership. Current road status, maintenance responsibilities and charges must be confirmed.

  Clear Creek Retreat declaration · Deed Book 344, pp. 533 and 535 · PDF page 3

Building and ownership notes

The available document copies state:

• The copy specifies a 1,200-square-foot minimum and custom-built homes; manufactured homes are excluded. Grandfathered existing improvements require individual review.

  Clear Creek Retreat declaration · Provision 3 · Deed Book 344, p. 536 · PDF page 4

• Plans and improvements are subject to the document requirements and Board review, including conditions on materials and outbuildings.

  Clear Creek Retreat declaration · Provisions 2–3 · Deed Book 344, p. 536 · PDF page 4

• Temporary recreational RV/camper use is conditional on self-contained or temporarily connected resources, no permanent hookups, setbacks and Board controls. The provision does not give a numeric stay limit.

  Clear Creek Retreat declaration · Provision 14 · Deed Book 344, pp. 537–538 · PDF page 5

• The Board may establish third-party rental rules, including frequency and occupancy conditions. The copy does not establish current short-term rental approval.

  Clear Creek Retreat declaration · Provision 19 · Deed Book 344, p. 539 · PDF page 7

• Docks require prior lake-authority approval; anchoring to neighboring property requires a written license under the document.

  Clear Creek Retreat declaration · Provision 13 · Deed Book 344, p. 537 · PDF page 5

Recorded document trail

• The copy’s book/page citation is readable; its recording date and instrument number have not yet been confirmed in the official index. Check the paired A interior parcel and corresponding waterfront parcel individually.

  Clear Creek Retreat declaration · Deed Book 344, pp. 533–539 · document dated October 29, 2019
  Winston County probate record search · Deed Book 344, pp. 533–539 · document dated October 29, 2019

Questions for the exact property

• Does the offering include the correctly paired interior and waterfront parcels?
• What current rental rules has the Board adopted?
• Are the roads privately maintained, and what current or planned maintenance assessments apply?
• What dock permits or written neighboring-property licenses are required?
• Which existing improvements are grandfathered, and what septic and utility approvals serve them?

Understand the map and the property

Community pins identify reference locations, not entrances or subdivision boundaries. A highlighted tax parcel is the selected listing’s map reference and may not include all land offered for sale. Nearby parcels are not assumed to be part of the community or listing. Confirm boundaries, access and rights with recorded documents and a survey.